STR / Airbnb

Minimum occupancy rate lenders want to see for STR DSCR?

Diane H. · Mar 9, 2026 · 289 views

I have a beach property that does really well June-August but is slow Nov-Feb. Does the lender average it out or use the slow months?

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Arin_B Mar 9, 2026

We use annual projected revenue at 75% of gross. So your slow months are already baked into that conservative factor.